Taylor’s father had passed away and left her and her siblings money. She was tasked with giving her sister and brother their inheritances. When at the bank, TD Canada, it was advised to have it sent through a bank draft.

"They said a bank draft was more appropriate,” Taylor told CBC.

The couple was even assured that if the document was lost there was a plan in place to secure the amount. Taylor said the bank told her they would simply have to fill out some documentation and a new draft would be issued.

But when UPS lost track of the first bank draft, plans to issue another one didn’t come into play for quite a while.

Taylor’s brother, Louis Paul Herbert, was waiting for his share, which was the $846,648 amount. Herbert said he arranged to have the draft sent to a UPS store, but it never showed up.

"I'm waiting at the UPS store, around 3 p.m. because that's when they said the guys came in, nothing shows up" he told CBC News. "I came back in the evening. Nothing shows up … and I'm wondering 'What's happened to my inheritance?'"

A trail of where the document was taken showed the envelope made it to the UPS distribution center on Steeles Avenue West in Concord, but nothing happened after that drop off.

UPS didn’t say much about the incident but offered to pay the family $32 to cover the cost of shipping the document.

Herbert told the CBC he was less than impressed, “That's nice of them to say, but it doesn't solve my problems."

Then the Taylors were told that to get another draft issued they had to have Lorette sign an indemnity agreement that would ensure no one would try to cash the first draft illegally. So, Lorette signed the agreement even though she would be liable for life if the original draft was cashed.

But even with the document signed, said Taylor to CBC, TD Canada Trust still ignored the agreement, and no one was paid.

Instead the bank demanded that the Taylors’ home be on lien or the family would have to buy GICs in the full amount of the bank draft.

A spokesperson for TD Canada told CBC that "bank drafts do not expire, and once the draft is issued, the funds are guaranteed for payment. They should be treated as though they are cash. In situations where a bank draft is lost or stolen, before we can agree to a replacement or reimbursement we need appropriate security to be in place. Examples of security requirements could include an Indemnity Agreement signed by the parties involved and a surety bond or GIC held for a period of three years.”

The bank asked Taylor to sign an indemnity agreement that is scheduled to expire in February 2019. Until then Herbert doesn’t get the money he inherited that could potentially change his life.

"I would have been debt free. My money would have been invested" he said. "I would have been retired."

CBC reported that Herbert was made aware his money would finally be released and therefore was not able to comment on the story.